Acceptance of VantageScore 4.0 Credit Scoring Model for Conventional Primary Residences

Applies to: Conventional conforming and high-balance primary residence loans delivered to Newrez using VantageScore 4.0.

Addressed to

Newrez correspondent sellersFrom the publisher, not quoted from the text

Investor

NewrezFrom the publisher, not quoted from the text

Occupancy

Primary residence

Affected area

Credit score model

Affected documents

Lock confirmation; Bid tape; Underwriting and credit documentation

Exceptions

Second homes, investment properties, government loans, non-agency products, and other programs not agency-approved for VantageScore 4.0.

Effective

Sep 15, 2026

Applicability confidence

Verified: every row taken from the source text is supported by it; rows marked "from the publisher" are not quoted

Summary by AWACS. Newrez Correspondent's guide is proprietary, so AWACS does not reproduce its text. Read the official announcement ↗ (opens in a new tab)

Each change applies when all the loan-impact conditions above are true.

What to review: Review the optional permission to deliver conventional conforming and high-balance primary residence mortgages underwritten with VantageScore 4.0.

QC implications

• Sample conventional conforming and high-balance primary residence files using VantageScore 4.0 to ensure compliance with agency rules and model consistency across all borrowers.
• Verify that the credit scoring model is accurately identified on bid tapes and lock confirmations for loans utilizing VantageScore 4.0.